2 Crore Term Insurance

01. Built for Higher Responsibilities

A ₹2 crore cover suits growing incomes and bigger financial commitments, like larger loans or dual-earner household planning.

02. Covers More Than One Goal

From clearing a home loan to funding two children's education, ₹2 crore stretches further across multiple family priorities.

03. Backed by Reliable Insurer

Ageas Federal settled 99.82% of claims in FY 2025-26, so a larger cover still comes with a proven track record.

04. Still Priced Lowest When You're Young

A ₹2 crore cover costs noticeably less in your late 20s than if you wait until your late 30s.

05. Riders Scale With Your Cover

Add the Critical Shield or Accident Care Rider on top of ₹2 crore, so bigger protection covers bigger risks too.

06. A Fully Tax-Free Payout

Your full ₹2 crore reaches your nominee tax-free under Section 10(10D), with no deductions cutting into the amount.

See What Cover Fits Your Income

Check where ₹2 crore fits based on what you currently earn.

• Your Monthly Income: ₹90,000
• Your Annual Income: ₹10,80,000
• Recommended Coverage Multiplier: 15-20
• Times Ideal Life Cover: ₹1.62 Cr - ₹2.16 Cr

Guaranteed Death Benefit

Your family receives the full ₹2 crore payout, with no reductions.

Flexible Policy Term

Pick a term aligned to your responsibilities, from active years into retirement.

Multiple Premium Modes

Pay yearly, half-yearly, quarterly, or monthly, whichever suits you best.

Tax Benefits

Premiums qualify under Section 80C, up to ₹1.5 lakh deduction yearly.

Call

Email

Branch Visit

1. Look at the Claims Track Record

A strong claim settlement ratio shows an insurer keeps its word. Ageas Federal settled 99.82% of claims in FY 2025-26, a track record worth relying on.

2. Size the Term to Your Full Responsibilities

With a bigger cover, your policy term should stretch across your longest financial commitments, home loans, children's education, and years until retirement.

3. Consider Who's Standing Behind the Policy

Ageas Federal is backed by Ageas, a global insurance group, and Federal Bank, giving policyholders a stable, established partnership behind a larger cover.

4. Layer On Riders for Bigger Risks

A ₹2 crore base cover pairs well with the Critical Shield Rider or Accident Care Rider, adding protection scaled to match your higher cover.

Lower Premiums

Secure a noticeably lower rate while you're young and healthy.

Bigger Long-Term Savings

The gap between an early and late purchase widens further at this cover size.

Stronger Financial Security

Protect a larger financial responsibility at a manageable ongoing cost.

Smoother Approval

Fewer health complications at a younger age make underwriting easier.

1. Your Income Bracket

As earnings rise, so does the recommended life cover. For professionals earning ₹9-12 lakh annually, the standard 15-20x income formula naturally lands around ₹2 crore, making it a realistic benchmark rather than an inflated number chosen without reason.

2. Your Existing Liabilities

A home loan, a car loan, or other ongoing debts should push your ideal cover higher than pure income alone suggests. A ₹2 crore plan gives enough room to clear these obligations fully, without leaving your family to manage repayments alone.

3. Your Family's Future Plans

Two children's education, an upcoming wedding, or a home loan still being paid off all draw from the same pool of financial responsibility. A ₹2 crore cover is built to stretch across these milestones together, rather than falling short at the first one.

4. Speak to an Advisor

Every household's situation looks different on paper. An Ageas Federal advisor can assess your specific income, existing liabilities, and future goals to confirm whether ₹2 crore genuinely fits your needs, or whether a higher cover makes more sense.